Deb Wood - PRMG Account Executive

Deb Wood - PRMG Account Executive Very Knowledge Account Executive PRMG Inc. PRMG has consistently been recognized within the top 25 largest independently owned mortgage lenders in the nation.

(NMLS #75243) has successfully helped homeowners purchase and refinance their homes across the country for well over a decade. PRMG is a technology-based mortgage company that lends nationwide, but still provides personal service to our clients. As a direct lender/servicer, PRMG works to find the best possible financing scenarios, ranging from competitive financing for the first-time homebuyer to multi-million-dollar loans for the more experienced homeowner.

As of this week, the condo review process changed for good, and a lot of loan officers haven't caught up yet.The Limited...
08/06/2026

As of this week, the condo review process changed for good, and a lot of loan officers haven't caught up yet.

The Limited Review process, the shortcut that let established condo projects skip a full review, is officially retired as of August 3, 2026. Most condo projects now require a full review: HOA financials, insurance documentation, reserve studies, and any pending special assessments all get a closer look than they used to. It's a response to a real problem. Underfunded reserves and rising insurance costs have made condo buildings a bigger risk than the old shortcut process accounted for, and a related change taking effect in 2027 will require associations to reserve at least 15% of their annual budget for repairs, up from 10%.

For loan officers, the practical impact is timeline. A condo file that used to move quickly may not anymore. The loan officers staying ahead of this are asking for the HOA budget, reserve study, and insurance declarations upfront, before they're deep into a file and discovering a documentation gap that costs them two weeks.

Know the change before your next condo file, not in the middle of it.

Save this and share it with a loan officer who works condo transactions.
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Mortgage Broker | Wholesale Lending | TPO Lender | Condo Loan Financing | Condominium Mortgage | HOA Financing | Condo Project Approval | Fannie Mae Condo Guidelines | Freddie Mac Condo Review | Limited Review Retirement | Condo Insurance Requirements | Special Assessment | HOA Reserve Study | Condo Buyer Financing | Loan Officer Tips | Mortgage Professional | Broker Channel | Mortgage Underwriting Update | Third Party Origination | Real Estate Financing News

Every AE on this team fields the same handful of questions on repeat. Here are the honest answers to the ones we hear mo...
08/05/2026

Every AE on this team fields the same handful of questions on repeat. Here are the honest answers to the ones we hear most.

"What happens if I bring you a file mid-process from another lender?" We review it with you before you commit to anything, so you know exactly what you're walking into before you make a move.

"Do I lose control of the borrower relationship if I go Non-Delegated?" No. You own the timeline, the communication, and the experience from start to finish. PRMG reviews and funds behind you.

"What if my scenario doesn't fit anything on a rate sheet?" That's exactly what the Scenario Desk is for. Bring the scenario before you bring the file.

"How fast can I actually get an answer on a complex deal?" Most Scenario Desk reviews happen the same day, with a real person, not a ticket number.

"What's the catch with Non-QM pricing?" There isn't a hidden one. Pricing runs transparently before you build a file.

If your question isn't here, that's what your AE is for.

Save this and share it with a loan officer who's been wondering the same things.
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Mortgage Broker | Wholesale Lending | TPO Lender | Account Executive Support | Wholesale Account Executive | Non-Delegated Correspondent | Scenario Desk Review | Quick Pricer Tool | Mortgage Broker FAQ | Wholesale Lender Support | TPO Partner Questions | Loan Officer Tips | Mortgage Professional | Broker Channel | Non-QM Lending | Mortgage Industry Education | Third Party Origination | Home Loan Programs | Mortgage Broker Resources | Lender Partnership

Conditions mid-file aren't always unavoidable.Most of the time there was something visible upfront that didn't get addre...
07/30/2026

Conditions mid-file aren't always unavoidable.

Most of the time there was something visible upfront that didn't get addressed before submission. A large deposit that needed a letter. A missing page from a bank statement. A borrower change that happened after the application but before the underwriter saw it. These aren't surprises to a loan officer who reviewed the file before submitting. The difference between a file that moves fast and one that stalls is almost always how well the loan officer knew it before it hit underwriting.

Clean files aren't about being perfect. They're about being thorough enough that the underwriter isn't discovering things for the first time. They already know everything the file contains and have context for the things that need context.

Save this. Use it on your next submission.
Share it with anyone on your team who's been getting too many conditions.
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Broker | TPO | Wholesale Lending | Mortgage Broker | Mortgage Professional | Mortgage Underwriting | Loan Submission | File Conditions

The most common reason a loan officer loses a deal isn't the borrower. It's the documentation strategy.Many borrowers wh...
07/28/2026

The most common reason a loan officer loses a deal isn't the borrower. It's the documentation strategy.

Many borrowers who get declined have income. They have assets. They have the ability to make a mortgage payment. What they don't have is a W2 that tells the whole story.

Alt doc programs exist for exactly this reason. The loan officers who know how to match the borrower to the right doc type are closing deals that everyone else is turning away. Bank statement for the self-employed. 1099 for the contractor. A CPA-prepared P&L for the business owner with a complicated return. Asset depletion for the retiree. DSCR for the investor who doesn't want to show personal income. Each one of these opens a door that a conventional income analysis keeps closed.

Save this. Use it. Share it with anyone on your team who's told a borrower no lately.
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Broker | TPO | Wholesale Lending | Mortgage Broker | Mortgage Professional | Self Employed Mortgage | Bank Statement Loan | Alt Doc Mortgage

The gig economy isn't a trend anymore.It's a permanent and massive segment of the workforce and most of those workers wa...
07/23/2026

The gig economy isn't a trend anymore.

It's a permanent and massive segment of the workforce and most of those workers want to own a home. They have the income to support the payment. They just don't document it the way a traditional lender wants to see. That's not a borrower problem. It's a product fit problem.

A 1099 loan qualifies income based on the 1099s themselves, not on a tax return that may have been reduced by legitimate business deductions. The income is real. The qualification path just has to match it. The loan officers who've figured this out are pulling deals from a pool that most of the market is ignoring and the referral relationships that come with being the go-to for 1099 borrowers compound fast.

Save this and share it with anyone on your team who's declined a 1099 borrower recently.
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Broker | TPO | Wholesale Lending | Mortgage Broker | Mortgage Professional | 1099 Mortgage | Gig Economy | Independent Contractor | Freelancer Mortgage

There's a specific moment in a loan officer's career when the broker model stops feeling like an advantage and starts fe...
07/21/2026

There's a specific moment in a loan officer's career when the broker model stops feeling like an advantage and starts feeling like a limitation.

The production is there. The relationships are there. But the timeline isn't yours. When a deal needs to close in 12 days and the UW queue is at 10, there's nothing you can do about it, and your realtor remembers that. Non-delegated correspondent removes that ceiling. You bring underwriting in-house. You own the timeline. Your borrowers and referral partners experience a process that reflects your standards, not someone else's backlog.

PRMG's non-del channel is built for loan officers who are ready for that next level with a dedicated team, clear guidelines, full product access including Non-QM and Jumbo up to $3.5M, and in-house fulfillment centers nationwide. The infrastructure is there. You just have to step into it.

Save this and share it with any loan officer who's ready to outgrow the broker model.
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Broker | TPO | Wholesale Lending | Mortgage Broker | Mortgage Professional | Non Delegated Correspondent | Correspondent Lending | Mortgage Growth

VA loans have always been one of the strongest products available to veteran borrowers.The challenge hasn't been the pro...
07/16/2026

VA loans have always been one of the strongest products available to veteran borrowers.

The challenge hasn't been the product. It's been the appraisal timeline in high-demand markets, where appraiser availability could stretch closings in ways that made VA offers harder to compete with. That's changing.

By designating high demand counties and increasing fees to attract more certified appraisers into those markets, the VA is directly addressing the supply problem that's been causing the friction.

The result is more appraisers available, better turnaround potential, and VA offers that are more competitive in the markets where it matters most.

Know the changes. Use the product. Your veteran borrowers deserve it.

Save this and share it with any loan officer who works VA deals in competitive markets.
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Broker | TPO | Wholesale Lending | Mortgage Broker | Mortgage Professional | VA Loan | Veteran Home Loan | VA Appraisal | Military Home Buyer

The deals that fall apart in the middle almost always had a signal at the beginning.A borrower who thought their job was...
07/14/2026

The deals that fall apart in the middle almost always had a signal at the beginning.

A borrower who thought their job was done after the application. A conditional approval that felt like a finish line. A credit score that got treated as a hard stop when it was really just a starting point for a different product conversation. None of these are mysteries. They're patterns. The loan officers who close consistently have learned to address them before the borrower runs into them. That means setting expectations at application, not at conditional approval. It means knowing which products exist for borrowers who don't qualify conventionally. It means staying active in the file all the way to CTC, not just at submission.

The myths in this carousel aren't unusual. They're the ones that cost deals every single week in every single market. Knowing the truth behind each of them is one of the easiest ways to protect your pipeline.

Save this and share it with any loan officer who wants to close more of the deals they start.
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Broker | TPO | Wholesale Lending | Mortgage Broker | Mortgage Professional

Some investor deals get labeled as ""dead"" too early. Not because they're bad deals. Because the first structure didn't...
07/13/2026

Some investor deals get labeled as ""dead"" too early. Not because they're bad deals. Because the first structure didn't work.

A low DSCR can feel like the end of the conversation if that's the only solution being considered. But experienced investor-focused LOs know it's often the beginning of a different one. Sometimes the answer is moving from a DSCR loan to a regular income qualification strategy. Sometimes it's looking at an Income Investment Non-QM option. Sometimes it's simply recognizing that the borrower, property, and overall scenario deserve a second look before moving on. The biggest opportunities are often hiding behind the first ""no."" That's why investor lending is less about memorizing products and more about understanding structure.

The investors who come back deal after deal are usually working with someone who knows how to find another path when the obvious one doesn't fit. Those relationships tend to compound over time.

Save this for your next low-DSCR conversation.

Share this with a loan officer who is building relationships with investors, not just closing transactions.
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Mortgage Broker | Wholesale Lending | Loan Officer | TPO Lender | Broker Partner | DSCR Loan | Real Estate Investor | Investment Property | Rental Property Loan

There's a specific frustration that builds up when you work with a lender who treats you like a transaction.You submit a...
07/09/2026

There's a specific frustration that builds up when you work with a lender who treats you like a transaction.

You submit a complex file and wait. You have a scenario question and fill out a form. You need someone to look at an edge case and get routed to a queue that doesn't know your business. It's not that any one moment is catastrophic. It's that over time, all of it adds up to a lender relationship that makes your business harder than it needs to be.

At PRMG, the model is different by design. Your dedicated AE, account manager, and TPO team are assigned to your business. the Scenario Desk reviews income, tax returns, and Non-QM scenarios before you commit to anything. The TPO team is available on-demand with no queue, so when a file gets complicated, there's a real person on the other end who knows what they're doing.

Save this and share it with any loan officer who's tired of working with a lender that treats them like a number. Follow me for weekly strategy and partner education.



Broker | TPO | Wholesale Lending | Mortgage Broker | Mortgage Professional | Scenario Desk | TPO Concierge | Mortgage Support | AE

Address

1265 Corona Pointe Court #301
Corona, CA
92879

Opening Hours

Monday 8am - 5:30pm
Tuesday 8am - 5:30pm
Wednesday 8am - 5:30pm
Thursday 8am - 5:30pm
Friday 8am - 5:30pm

Telephone

+15592873015

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